in terms of health care costs related to the aca, while most business leaders that we have spoken to have said is they understand we needed to do something. small-business owners are impacted disproportionately by rising health-care costs. the current health care plans work for them less well than they do for larger companies because they don't have buying power. if you look at some of the reforms, you see a number of efforts to try to reduce costs for small businesses to, like creating exchanges, for example. small in 2011, small businesses paid 25% more for insurance than large companies. the exchange is meant to help small business. you are right. with the new regulations set to take effect in a couple of years, it is another reason to be careful and protect small businesses from tax increases. what the obama people will tell you is that they have cut taxes for small business 17 times and 90% of the small businesses in america would not be effected by higher individual taxes. host: here is "the miami herald" this morning. pennsylvania. independent caller. caller: he said it earlie